Lender
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.6
(22 Ratings)

Rise Credit Account Review

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How To Login in Rise Credit Account?

To login to your Rise Credit account, please follow the steps below:

  1. Go to the Rise Credit website.
  2. Click on the "Sign In" button at the homepage's top right-hand corner.
  3. You will be directed to the "Sign In to Your Account" page, where you will need to enter your username and password associated with your Rise Credit account.
  4. Once you have entered your email address and password, click on the "Sign In" button.

Key Features

Rise is an online lender that offers installment loans to borrowers with less-than-perfect credit. Here are some of the key features of the company:

  1. Quick application process. It is online and can be completed in a few minutes. You can receive a loan decision quickly, and if approved, funds can be deposited in your bank account as soon as the next business day.
  2. Flexible loan amounts and terms. Rise Credit offers loans ranging from $500 to $5,000, depending on your state of residence. Loan terms can range from 4 to 26 months, also depending on the state of residence.
  3. No hidden fees. The company is transparent about their fees, and there are no hidden charges or prepayment penalties.
  4. Credit score monitoring. Rise offers free credit score monitoring to its customers. This can help you keep track of your credit score and identify areas where you need to improve.
  5. Credit building. Rise reports to credit bureaus, which means that making timely payments on a loan can help improve your credit score over time.

How To Register an Account?

Rise Credit offers a simple online loan application process where you can fill out an application form on their website. The form will require your personal and financial details, including your name, address, employment information, banking details, and social security number. After submitting your application, Rise Credit will review it and make a decision on your loan application. If approved, the funds will be transferred to your bank account. 

It's essential to understand the loan terms and conditions before accepting the loan and ensure that you can comfortably make payments. Rise Credit's customer service is available if you have any questions or concerns about the loan application or funding process.

Step-by-step Registration

To register a Rise Credit account, please follow the steps below:

  1. Go to the Rise Credit website.
  2. Click on the "Check Your Loan Options" button on the homepage.
  3. Enter your first name, last name, email address, and state of residence. The company may contact you about their services at the email address provided. Checking your loan options will not affect your FICO® score.
  4. Enter your zip code, social security number, phone number, and mailing address.
  5. Provide your date of birth, address, apartment number, and the amount of money you need. Loan amounts are available in $50 increments from $500 to $5,000.
  6. Review the electronic disclosures, including the Consent to Electronic Disclosures & Communication, Privacy Policy, and Credit Report Authorization. Check the box to agree to receive marketing and servicing text messages from Rise.
  7. Click on the "Continue” button to submit your registration information.

How Do Rise Credit Loans Work?

Rise Credit loans work as follows:

  1. Application. To apply for a loan, you will need to visit the Rise Credit website and fill out an online application form. You will need to provide personal and financial information, such as your name, address, social security number, and employment information. You will also need to consent to a credit check.
  2. Approval. Once you submit your application, the company will review your information and provide a decision on your loan application. If approved, you will receive an offer with loan details such as the loan amount, interest rate, and repayment terms.
  3. Funding. If you accept the loan offer, Rise Credit will typically transfer the funds directly to your bank account. Depending on your bank's processing times, you may receive the funds as soon as the next business day after approval.
  4. Repayment. Rise Credit loans are installment loans, which means that you will repay the loan in regular payments over a set period. The repayment terms vary depending on your state of residence and loan amount. Rise Credit offers a variety of payment options, including automatic payments, online payments, and payments by phone.

The terms and conditions of Rise Credit loans may vary depending on the state of residence, loan amount, and other factors. Before accepting a loan offer, make sure you read and understand the loan terms and conditions, including interest rates and fees. You should also ensure that you can comfortably afford the loan payments before applying.

Loan Funding Times

Rise Credit typically transfers loan funds to your bank account as soon as the next business day after loan approval, although the exact timing of funding may vary depending on factors such as the time of day your application is approved and your bank's processing times. It's important to note that if you apply for a loan on a weekend or holiday, your loan may not be processed until the next business day, which may delay the funding time.

Additionally, some states may have different loan funding times due to state regulations. It's always a good idea to check with Rise Credit for the specific loan funding times in your state.

If you have any concerns or questions about the loan funding process, you can contact Rise’s customer service for assistance.

Who Are Rise Credit Loans For?

Rise loans are primarily designed for borrowers who have less-than-perfect credit and may have difficulty obtaining loans from traditional lenders. The company aims to help borrowers who are looking to improve their credit score by offering loans with flexible terms and credit-building features.

Rise Credit loans may be suitable for borrowers who:

  1. Have less-than-perfect credit. The loans are designed for borrowers with credit scores that may not meet the requirements of traditional lenders.
  2. Need funds quickly. Rise Credit offers a quick and easy online application process, and if approved, borrowers can receive their funds as soon as the next business day.

  3. Want flexible loan terms. The company provides loan amounts ranging from $500 to $5,000, and loan terms ranging from 4 to 26 months, depending on the state of residence. This allows borrowers to choose a loan that best fits their needs and financial situation.

  4. Want to build their credit. Rise reports to credit bureaus, which means that making timely payments on a Rise Credit loan can help improve a borrower's credit score over time.

It's important to note that while the loans may be suitable for some borrowers, they are not appropriate for everyone. Before applying for a loan, borrowers should carefully review the terms and conditions, including interest rates and fees, and ensure that they can comfortably afford the loan payments.

How To Delete an Account?

To delete your Rise Credit account, you will need to contact their customer support by email or phone. Follow the steps below to delete your account:

  1. Visit the Rise Credit website and go to the “Contact” page.
  2. Select the "Email Us" option to direct you to a contact form.
  3. Fill out the contact form with your full name, email address, phone number, state, and the subject of the message. In the message section, request to delete your account and include any other relevant information.
  4. Submit the contact form and wait for a response from Rise Credit customer support. They may request additional information to verify your identity before proceeding with your account deletion request.
  5. Alternatively, you can call their customer support at 1-866-580-1226 and request to delete your account over the phone.

How To Reset a Password?

To reset your Rise Credit password, follow the steps below:

  1. Go to the Rise website and click "Need help signing in?" next to the "Sign In" button.
  2. Select "Forgot password?" from the dropdown menu.
  3. You will be directed to a page where you will need to enter the email address associated with your Rise account.
  4. Choose your preferred method of password reset - via text message or email. If you choose a text message, make sure that a mobile number is associated with your account.
  5. If you choose to email, you will receive an email with instructions on how to reset your password. You will receive a text message with a verification code if you choose text message.
  6. Follow the instructions in the email or text message to reset your password.
  7. Once you have reset your password, you can log in to your RISE Credit account using your new password.

FAQ

How Do I Contact Rise Credit?

To contact Rise Credit, you can use one of the following methods:

  1. Email. You can visit the "Contact" page on the Rise Credit website and fill out the email form to send a message to their customer support team.
  2. Phone. You can call Rise Credit's customer support team at 1-866-580-1226, Monday through Friday from 8:00 am to 11:00 pm ET, and Saturday and Sunday from 9:00 am to 6:00 pm ET.
  3. Payments. If you need to make a payment, you can mail your payment to RISE Credit, P.O. Box 679900, Dallas, TX 75267-9900. For overnight payments, you can send them to RISE Credit, Lockbox Number 679900, 1200 E. Campbell Rd., Suite 108, Richardson, TX 75081.
  4. Correspondence. If you need to send any other correspondence, you can mail it to RISE, Attn: Customer Support, PO Box 101808, Fort Worth, TX 76185.

It's important to note that the specific contact methods and hours of availability may vary based on your location and the nature of your inquiry.

How Do I Activate My Rise Credit Account?

When you apply for a Rise Credit loan, you will receive an email or text message with instructions on how to activate your account. Follow the steps below to activate your account:

  1. Locate the activation email or text message sent by Rise.
  2. Click on the link provided in the email or follow the instructions in the text message.
  3. You will be directed to a page where you can create your account password.
  4. Enter your desired password and confirm it.
  5. Once your password is confirmed, your account will be activated, and you can log in to your Rise Credit account.

You can contact their customer support team for assistance if you did not receive an activation email or text message from Rise. It is important to activate your account as soon as possible so that you can access your loan information, make payments, and manage your account online.

Why Can't I Access My Rise Credit Account Online?

There could be several reasons why you are unable to access your Rise Credit account online. You may have forgotten your login credentials, such as your email address or password, or they may have been entered incorrectly. Another possibility is that there may be technical issues with the Rise Credit website or your internet connection, preventing you from accessing your account. Additionally, if you have recently paid off your loan or closed your account, you may no longer be able to access it online.

If you are experiencing issues accessing your Rise Credit account online, it is recommended that you contact their customer support team for assistance.

Financial products
Rating by Finanso®
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The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

3.6
(22 Ratings)
Recommended FinScore™
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500.00 – 5000.00 $
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Effective interest rate on the product

60.00 – 299.00 %
Term
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Loan term for the financial product

7 months – 36 months
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All Rise Credit’s reviews by may 2024
Leave feedback
2
Disadvantages
This company is terrible to deal with due to a loan issue that wasn't approved from the customer's end in the first place. I strongly advise against obtaining a loan from this company.
Complain
2
Disadvantages
During the loan application process, I didn't come across any documentation that indicated my payments would be automatically withdrawn from my account. Additionally, I wasn't aware that my monthly payments would occur every other week. This situation has put me in a more challenging financial position than before. I am unable to manage bi-weekly payments of $123, as I initially believed this was a monthly payment arrangement. This has left me in a difficult situation.
Complain
4.6
Advantages
I've been a customer of Rise for nearly two years now, and I've never encountered any problems when needing emergency funds. Just this month, after making my payment, I faced another emergency and was swiftly approved without any hassles. This has been a valuable way for me to work on rebuilding my credit.
Complain
4.4
Disadvantages
Rise consistently fails to provide accurate balance information, often being several months behind and displaying random amounts. Unfortunately, they have been unresponsive and unhelpful when I've brought this issue to their attention.
Complain
4.2
Advantages
The simplicity of the entire process made it a breeze. The funds appeared in my account the following business day, and this loan allowed me to consolidate my credit into a single payment, which I appreciated. I was also pleased that I wasn't inundated with phone calls. The overall experience has left me with a positive impression, and I would return if the need arises in the future.
Complain
4.6
Advantages
Obtaining a loan swiftly and effortlessly was quite beneficial. The company provides ample information to guide you through the process and understand what steps to take.
Complain
2
Disadvantages
I required additional funds urgently for an emergency situation. However, the interest rates offered by this company are incredibly high. I would not consider taking out another loan with them in the future.
Complain
4.6
Advantages
Rise came to my rescue in a pinch. The application process was refreshingly simple and straightforward, in contrast to the lengthy and intimidating applications of some other credit providers. Their decision came back exceptionally fast, and the deposit was in my account a day earlier than anticipated. What's great is that they offer an affordable payment plan, with the flexibility to pay off the loan sooner and save on interest.
Complain
4.6
Advantages
I had an excellent experience with Rise. I submitted my application, was swiftly approved for the loan, and had the funds deposited into my bank account just two days later. Despite my credit history, they provided me with a fantastic interest rate and a repayment schedule that suits my needs. I anticipate being able to fully repay the loan in just 7 months, which is a highly favorable arrangement for me.
Complain
4.8
Advantages
I'm a big fan of using Rise for my loan requirements. The payments are affordable, and they are quite flexible when assistance is required. If you consistently make your payments on time, you even have the option to renew your loan or request additional funds.
Complain
Overall company rating
3.6
/ 5
22 reviews
Execution of an application
3.9
Support service
3.6
Mobile app
3.5
Service quality
3.6
Your satisfaction level
3.5
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